 I am about 6000 in credit card debt and thinking of filing for bankruptcy? |
| My fiance and I purchased my vehicle together (both of our names are on the loan, but just his is on the title). I am a full time student and unable to make my credit card payments. I owe around 6000 ... |
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 If I want to take all of my small loans and pay them off with a credit card is ther a credit card I can get ? |
| that will give me a 13,000.00 limit? My credit is good, it's just that i have a lot of small things open, and I want to transfer everything to this one card and just have this one payment. Is ... |
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 Any ideas on where to go for home financing if you have no credit history but have plenty income for payments? |
| we have no credit history anymore.were victims of identity theft and in fixing that credit report was totally wiped ... |
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 How many credit card should I have? |
I watched a video in my class and they said it's better to have one credit card only.
But in reality, I know a lot of people have like at least 2 credit cards and they said it's ... |
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 Credit card write offs due to being under 21 when aggrement was signed? |
| Hi, i was told by someone that it is possible to get a credit card written off if you entered into it being under the age of 21... I have a card that i got when i was 18 and the interest rate is 28% ... |
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 What is your opinion of any service that offers credit repair? |
| I need to fix my credit, and there are people on E-bay and elsewhere who guarantee the full restoration of my credit. Are they legitimate?... |
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 Applying for a credit card? |
| If I apply for a credit card, but don't use it, is there any inactivity charges they can issue me?... |
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 Does money owed to Collection Agency's go away over time? |
| I owe various amounts of money to more than one Collection Agency, money I have yet to even see in my lifetime of 23. I've expected this to follow me wherever I go until it's finally paid ... |
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 Legal and personal question about co-signing.? |
| Im a 44 yr old single mom raising a 15 yr old daughter. i make 8 dollars an hour and struggling every month. i dont own anything, but i HAD good credit. My 22 year old son asked me if I could co ... |
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 I was contacted by a collections company about a debt that isn't mine, is it a scam? |
| I got a call stating they were collecting a debt on a Nexcard account from 2002. They told me the balance was $5500, and that they were willing to settle if I'd pay it off. I did have credit ... |
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 Where can i find he best deals on dooney and burke? |
im lookin for a dooney and burke dose any one know any places that have them on slae right now or is thier something else i should look at like coach or vera bradley
... |
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 Do you have to be employed.? |
| I dont personally work but my grandson does but he doesnt have a bank account so if I apply for a Dell PC on a payment sceam will they give it me. His wages go into my account if that makes a ... |
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Amy S | My husband and I filed bankruptcy, are now going to be foreclosed on and may divorce, any good scenarios? |
I just want to know the best way to handle all of this and come out in the end ahead. We will be starting from having nothing but a job and kids and a place to rent. |
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Laura J
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I know finances are one of the three main statistical reasons for divorce, but don't allow it. Your not a statistic, you are a human being that deserves to fight for your family.
Invest your time and money into a financial adviser because its worth the transition from lack to abundance in the long term for your children's future. They will learn from your examples.
Invest in self help books like Suzie Ortman and others to frugally create a financial infrastructure around your family.
Don't give up.
Just think of it as a journey and time will heal all wounds from past mistakes. .
Celebrate! Think of love. Think of quality time with your family.
I believe you can have a great out come. I starred your question as I'm looking forward to seeing other good answers for your question. |
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lost
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this is the things family that tests family's loss of money hang in there for each other sometimes the worst of times brings you close together just keeping the hollering and the nagging and shouting to a minimum its a new start and it can work remember you are together |
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Sharon C
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Start thanking God for what you have instead of what you are losing...you have your husband, you children and a home... don't take this for granted..... you are losing material things... if you file bankruptcy ... you shouldn't have no debt.... start a saving account for emergencies and go on a very strict budget..... the bankruptcy and forecloser is just a sign that you can't handle your old finances... this is a new start for you guys to turn it around ... in seven years you will be able to get another home...Good Luck!!!! |
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Ron
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The best scenario I can present to you is the fact that you have a job and a place to rent. Begin the rebuilding phase, set up automatic savings through work (into a savings account and 401(k) plan), and keep your spending under control. Obviously, applying for credit cards is out since you will not be approved so take advantage of that and buy things when you have saved enough money. Even after you have rebuilt your credit and can get approved for a credit card, stick to this mentality and you will not be in the same predicament.
Good luck!
Ron, ChFC |
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Bomoon
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There are already very good answers especially for the practical aspects and that you take a positive attitude. See clear that your situation is a challenge and what you decide now will have a strong impact on the future of all of you. You came together for a good reason and if this reason still exist, then continue and don't let material aspects spoil it.
Try to relax and find the inner trust that you are guided. Listen to yourself and do what feels right.
Bomoon |
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Jim D
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Financial problems are no reason to end a relationship. Use the relationship to adjust and begin again.
If you still care for your spouse rise above the problems. If you would like to get rid of him, use this opportunity.
Most importantly, you have a nucleus with which to rebuild; you already have a place to move into. The mortgage amount, if you purchased in the last five years is excessive anyway.
In the old days, a home was a very good investment. Since so many laws have passed that favor big money and banks, owning a home and mortgage is no longer the automatic way to invest.
Renting for the next year may, in fact, be a really good idea.
Like Laura says, adjust, overcome and improvise, use the strength of your income and experience to begin again.
It's America after all and politicians haven't succeeded in completely messing up our country, although they have made a pretty good effort to do so.
Overcome and survive!
Good luck, you can do it; it's done all the time these days. You have lots of company.
Have a good holiday season because that's up to you! |
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Coach
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The most important thing in this situation is STAYING TOGETHER!!! I know that marriage is tough when times are tough, but work things out between each other and everything else will work. Who cares about worldly possesions right? You made a promise to your husband and God on your wedding day "for better or for worse, for richer or poorer..." right? Pray together! I will say a quick prayer for you. |
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Sharon F
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The best thing I can suggest is to embrace yourself for the blow on the foreclosure.
If you want to re-build your credit, start with secured credit cards |
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Lesley
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Did you file a chapter 7 or 13? If you are in agreement that neither of you want to keep the house, let it go, get the discharge, and then get the divorce finalized based on how things are post-discharge. Speak with your bankruptcy and divorce attorneys. |
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~girlfriday~
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Nope. You have obviously hit rock bottom and will have to climb out with hard work. |
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hannibalNclarice
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The best scenario is you are getting rid of the husband!! |
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